Luận văn: Phát triển hoạt động thanh toán quốc tế tại Ngân hàng Công Thương_Chi nhánh Cửa Lò pdf

Luận văn Phát triển hoạt động toán quốc tế Ngân hàng Cơng Thương_Chi nhánh Cửa Lị DANH MỤC CÁC TỪ VIẾT TẮT Nghĩa đầy đủ Số thứ tự Từ viết tắt Tiếng Anh Tiếng Việt ATM Automated Teller Machine Máy rút tiền tự động L/C Letter of Credit Thư tín dụng NH - Ngân hàng NHCT - Ngân hàng Công thương NHCTVN - Ngân hang Công thương Việt Nam NHCT_CNCL - Ngân hàng Cơng thương Chi nhánh Cửa Lị NHNN - Ngân hàng Nhà nước NHTM - Ngân hàng Thương mại NHTMCP - Ngân hàng Thương mại cổ phần 10 NHTW - Ngân hàng Trung ương 11 USD 12 TMCP - Thương mại cổ phần 13 TTQT - Thanh toán quốc tế 14 VND - Việt Nam Đồng 15 WTO World Trade United States of Dollar Đôla Mỹ Tổ chức Thương mại Organization giới DANH MỤC CÁC BẢNG Bảng Trang Bảng 2.1: Tình hình tốn hàng xuất qua NHCT_CL 26 Bảng 2: Cơ cấu hàng xuất chủ yếu toán qua NHCTCNCL Bảng 2.4: Cơ cấu hàng nhập toán qua NHCT- CN CL 27 Bảng 3.1: Dự báo kim ngạch xuất giai đoạn 2010- 2015 36 29 DANH MỤC CÁC SƠ ĐỒ Sơ đồ Trang Sơ đồ 2.1.Quy trình tốn L/C: Sơ đồ 2.2: Quy trình tốn chuyển tiền Sơ đồ 2.3: Quy trình tốn nhờ thu M ỤC L ỤC Trang Lời mở đầu Error! Bookmark not defined CHƯƠNG KHÁI QUÁT VỀ NGÂN HÀNG CÔNG THƯƠNG CHI NHÁNH CỬA LÒ Error! Bookmark not defined 1.1 Quá trình hình thành phát triển NHTMCP Cơng thương Chi nhánh Cửa Lị Error! Bookmark not defined 1.2 Cơ cấu tổ chức máy NHTMCP Công thương chi nhánh Cửa Lò Error! Bookmark not defined 1.2.1 Giám đốc Error! Bookmark not defined 1.2.2 Phòng khách hàng Error! Bookmark not defined 1.2.2.1 Chức Error! Bookmark not defined 1.2.2.2 Nhiệm vụ Error! Bookmark not defined 1.2.3 Phịng kế tốn giao dịch Error! Bookmark not defined 1.2.3.1 Chức Error! Bookmark not defined 1.2.3.2 Nhiệm vụ: Error! Bookmark not defined 1.2.4 Phòng Tiền tệ kho quỹ Error! Bookmark not defined 1.2.5 Phịng tổ chức hành Error! Bookmark not defined 1.2.6.Tổ quản lý rủi ro quản lý nợ có vấn đề: Error! Bookmark not defined 1.2.7.Tổ điện toán: Error! Bookmark not defined CHƯƠNG THỰC TRẠNG HOẠT ĐỘNG THANH TOÁN QUỐC TẾ TẠI NGÂN HÀNG CƠNG THƯƠNG CHI NHÁNH CỬA LỊ Error! Bookmark not de 2.1 Quy định quy trình nghiệp vụ tốn quốc tế Ngân hàng Cơng thương Chi nhánh Cửa Lò Error! Bookmark not defined 2.1.1.Quy trình tốn L/C nhập khẩu: Error! Bookmark not defined 2.1.1.1 Tiếp nhận hồ sơ xin mở L/C: Error! Bookmark not defined 2.1.1.2 Mở phát hành L/C: Error! Bookmark not defined 2.1.1.3 Tu sửa tra soát L/C: Error! Bookmark not defined 2.1.1.4 Nhận kiểm tra chứng từ tốn: Error! Bookmark not defined 2.1.2 Quy trình toán L/C xuất khẩu: Error! Bookmark not defined 2.1.2.1 Nhận, thông báo, xác nhận L/C: Error! Bookmark not defined 2.1.2.2 Sửa đổi thư tín dụng: Error! Bookmark not defined 2.1.2.3 Tiếp nhận, kiểm tra, gửi chứng từ địi tiền: Error! Bookmark not defined 2.1.3 Quy trình tốn chuyển tiền: Error! Bookmark not defined 2.1.4 Quy trình toán nhờ thu: Error! Bookmark not defined 2.1.4.1 Quy trình tốn nhờ thu đến Error! Bookmark not defined 2.1.4.2 Quy trình tốn nhờ thu đi: Error! Bookmark not defined 2.2.Tình hình hoạt động tốn quốc tế Ngân hàng Cơng thương Chi nhánh Cửa Lò Error! Bookmark not defined 2.2.1 Thanh toán hàng xuất khẩu: Error! Bookmark not defined 2.2.2 Thanh toán hàng nhập Error! Bookmark not defined 2.2.3 Đánh giá chung hoạt động tốn quốc tê Ngân hàng Cơng thương Chi nhánh Cửa Lò Error! Bookmark not defined 2.2.3.1 Kết hoạt động toán quốc tế Ngân hàng Cơng thương Chi nhánh Cửa Lị Error! Bookmark not defined 2.2.3.2 Những tồn hoạt động toán xuất nhập Ngân hàng Cơng thương Chi nhánh Cửa Lị Error! Bookmark not defined 2.2.3.3 Một số nguyên nhân tồn toán xuất nhập Ngân hàng Cơng thương Chi nhánh Cửa Lị Error! Bookmark not defined CHƯƠNG GIẢI PHÁP PHÁT TRIỂN HOẠT ĐỘNG THANH TỐN QUỐC TẾ TẠI NGÂN HÀNG CƠNG THƯƠNG CHI NHÁNH CỬA LÒ Error! Bookmark not defined 3.1 Dự báo hoạt động tốn quốc tế Ngân hàng Cơng thương Chi nhánh Cửa Lò Error! Bookmark not defined 3.2 Phương hướng phát triển hoạt động kinh doanh ngân hàng Công thương Chi nhánh Cửa Lò Error! Bookmark not defined 3.2.1 Định hướng phát triển ngành Ngân hàng Việt Nam Error! Bookmark not defi 3.2.2 Phương hướng phát triển Ngân hàng Cơng thương Chi nhánh Cửa Lị Error! Bookmark not defined 3.3 Một số giải pháp nhằm phát triển hoạt động tốn quốc tế Ngân hang Cơng thương Chi nhánh Cửa Lò Error! Bookmark not defined 3.3.1 Các giải pháp Ngân hàng Công thương Chi nhánh Cửa Lị Error! Bookmar 3.3.1.1 Đa dạng hố phương thức toán xuất nhập khẩu: Error! Bookmark not d 3.3.1.2 Xây dựng chiến lược phát triển thị trường toán xuất nhập phù hợp: Error! Bookmark not defined 3.3.1.3 Ứng dụng Marketing hoạt động Ngân hàng: Error! Bookmark not defi 3.3.1.4 Hồn thiện nghiệp vụ tốn xuất nhập khẩu: Error! Bookmark not defined 3.3.1.5 Nâng cao trình độ nghiệp vụ toán viên: Error! Bookmark not defined 3.3.1.6 Thực chiến lược hỗ trợ nâng cao nghiệp vụ khách hàng: Error! Bookmar 3.3.2 Kiến nghị Nhà nước Error! Bookmark not defined 3.3.3 Kiến nghị đơn vị kinh doanh xuất nhập Error! Bookmark not def 3.3.3.1 Đối với đơn vị nhập khẩu: Error! Bookmark not defined 3.3.3.2 Đối với đơn vị xuất khẩu: Error! Bookmark not defined Kết luận Error! Bookmark not defined DANH MỤC CÁC TÀI LIỆU THAM KHẢO Error! Bookmark not defined Lời mở đầu Tính tất yếu việc lựa chọn đề tài nghiên cứu Trong năm vừa qua, hoạt động kinh tế đối ngoại Việt Nam thu thành công đáng kể; với chủ trương đắn Đảng Nhà nước, hội nhập với kinh tế giới, tham gia ngày sâu rộng vào trình hợp tác thương mại quốc tế, đặc biệt với việc Việt Nam trở thành thành viên thức thứ 150 Tổ chức Thương mại giới WTO Trong mối quan hệ đa phương, nhiều chiều đó, tốn quốc tế đời địi hỏi mang tính tất yếu khách quan Thanh tốn quốc tế khâu quan trọng kinh doanh quốc tế kinh doanh xuất nhập Cùng với phát triển trình giao lưu thương mại, hoạt động xuất nhập nước ta có bước tiến đáng kể Hiệu hoạt động toán quốc tế ảnh hưởng trực tiếp đến lợi ích bên tham gia xuất nhập Vì vậy, cơng tác tốn quốc tế nói chung tốn quốc tế nói riêng Ngân hàng Cơng Thương Chi nhánh Cửa Lị góp phần tạo nên mạnh hệ thống nghiệp vụ ngân hàng truyền thống ln khách hàng tín nhiệm từ lâu Thanh toán quốc tế việc tốn nghĩa vụ tiền tệ phát sinh có liên quan tới nghĩa vụ kinh tế, thương mại mối quan hệ khác tổ chức, công ty chủ thể khác nước Thanh tốn quốc tế ln chứa đựng rủi ro tranh chấp, rủi ro tranh chấp tỷ lệ thuận với hoà nhập ngày sâu rộng vào mậu dịch khu vực quốc tế Những rủi ro gây thiệt hại không nhỏ đến lợi ích kinh tế nói chung đến Ngân hàng thương mại nói riêng; vấn đề thu hút quan tâm nhà nghiên cứu, nhà điều hành Ngân hàng Do vậy, để thực kinh doanh có hiệu quả, Ngân hàng thương mại nói chung Ngân hàng Cơng Thương Chi nhánh Cửa Lị nói riêng cần hiểu rõ loại rủi ro biện pháp nhằm hạn chế rủi ro để ngày hồn thiện cơng tác toán quốc tế qua Ngân hàng Trong viết này, em xin đề cập đến số giải pháp “ Phát triển hoạt động toán quốc tế Ngân hàng Cơng Thương_Chi nhánh Cửa Lị” Mục đích nghiên cứu đề tài - Khái quát Ngân hàng Cơng thương Chi nhánh Cửa Lị - Nghiên cứu đánh giá thực trạng hoạt động toán quốc tế Ngân hàng Cơng thương Chi nhánh Cửa Lị - Đề số giải pháp phát triển hoạt động tốn quốc tế Ngân hàng Cơng thương Chi nhánh Cửa Lò Đối tượng phạm vi nghiên cứu - Đối tượng nghiên cứu đề tài hoạt động toán quốc tế diễn Ngân hàng Cơng thương chi nhánh Cửa Lị giai đoạn 2005-2010 - Phạm vi nghiên cứu đề tài nghiên cứu thực trạng toán quốc tế Ngân hàng Cơng thương Chi nhánh Cửa Lị đề giải pháp nhằm phát triển hoạt động Ngân hàng Cơng thương Chi nhánh Cửa Lị Phương pháp nghiên cứu - Phương pháp vật biện chứng lịch sử - Phương pháp thống kê tốn - Phương pháp phân tích tổng hợp Nội dung kết cấu đề tài Ngoài phần mở đầu, kết luận danh mục tài liệu tham khảo đề tài nghiên cứu gồm ba chương: Chương 1: Khái quát chung Ngân hàng Công thương Chi nhánh Cửa Lị Chương 2: Thực trạng hoạt động tốn quốc tế Ngân hàng Công Thương Chi nhánh Cửa Lò , giai đoạn 2005- 2010 Chương 3: Giải pháp phát triển hoạt động toán quốc tế Ngân hàng Cơng Thương Chi nhánh Cửa Lị CHƯƠNG KHÁI QUÁT VỀ NGÂN HÀNG CÔNG THƯƠNG CHI NHÁNH CỬA LỊ 1.1 Q trình hình thành phát triển NHTMCP Cơng thương Chi nhánh Cửa Lị Chi nhánh Ngân hàng TMCP Cơng thương Cửa Lị chi nhánh trực thuộc Ngân hàng Cơng thương Việt Nam có trụ sở Số 62 đường Bình Minh, Phường Thu Thuỷ, Thị xã Cửa Lị, Nghệ An NHTMCP Cơng thương Chi nhánh Cửa Lò thành lập sở tiền thân Phòng giao dịch Cửa Lò trực thuộc NHCT Nghệ An Sau thị trấn Cửa Lò tách khỏi huyện Nghi lộc trở thành thị xã Cửa Lị Phường giao dịch Cửa Lò lên chi nhánh NHCT Cửa Lò cấp trực thuộc NHCT Nghệ An vào tháng 3/2005 Tới tháng 8/2006 Ngân hàng lên chi nhánh cấp trực thuộc NHCTVN Trải qua 18 năm hoạt động lĩnh vực tài chính, tiền tệ có nhiều khó khăn tồn thể cán cơng nhân viên lịng đồn kết đưa Chi nhánh khơng ngừng vươn lên chức nhiệm vụ có thay đổi nhằm phù hợp với thị trường song chất NHTM quốc doanh mà hoạt động chủ yếu lĩnh vực kinh tế nông nghiệp nông thôn Vào năm đầu thành lập NH gặp khơng khó khăn từ nhiều nguyên khác Phải kể đến tình hình kinh tế nhân dân địa phương Người dân chủ yếu theo nghề đánh bắt hải sản gần bờ, trồng lúa chế biến thủ công sản phẩm từ biển Hầu hết hộ gia đình sản xuất theo kinh tế nhỏ, không áp dụng tiến khoa học kĩ thuật vào nghề nghiệp nên họ sản xuất đủ ăn Mặt khác điều kiện giao thông khó khăn, nghành du lịch chưa phát triển Bởi công tác tuyên truyền, huy động vốn khó khăn, cơng việc cho vay khó khăn Việc cho vay vào thời điểm chủ yếu 10 back transport document) Contents of terms and conditions of carriage will not be examined vi contain no indication that it is subject to a charter party b For the purpose of this article, transhipment means unloading from one means of conveyance and reloading to another means of conveyance (whether or not in different modes of transport) during the carriage from the place of dispatch, taking in charge or shipment to the place of final destination stated in the credit c i A transport document may indicate that the goods will or may be transhipped provided that the entire carriage is covered by one and the same transport document ii A transport document indicating that transhipment will or may take place is acceptable, even if the credit prohibits transhipment Article 20 Bill of Lading a A bill of lading, however named, must appear to: i indicate the name of the carrier and be signed by: • the carrier or a named agent for or on behalf of the carrier, or • the master or a named agent for or on behalf of the master Any signature by the carrier, master or agent must be identified as that of the carrier, master or agent Any signature by an agent must indicate whether the agent has signed for or on behalf of the carrier or for or on behalf of the master ii indicate that the goods have been shipped on board a named vessel at the port of loading stated in the credit by: pre-printed wording, or an on board notation indicating the date on which the goods have been shipped on board The date of issuance of the bill of lading will be deemed to be the date of shipment unless the bill of lading contains an on board notation indicating the date of shipment, in which case the date stated in the on board notation will be deemed to be the date of shipment If the bill of lading contains the indication "intended vessel" or similar qualification in relation to the name of the vessel, an on board notation 91 indicating the date of shipment and the name of the actual vessel is required iii indicate shipment from the port of loading to the port of discharge stated in the credit If the bill of lading does not indicate the port of loading stated in the credit as the port of loading, or if it contains the indication “intended” or similar qualification in relation to the port of loading, an on board notation indicating the port of loading as stated in the credit, the date of shipment and the name of the vessel is required This provision applies even when loading on board or shipment on a named vessel is indicated by preprinted wording on the bill of lading iv be the sole original bill of lading or, if issued in more than one original, be the full set as indicated on the bill of lading v contain terms and conditions of carriage or make reference to another source containing the terms and conditions of carriage (short form or blank back bill of lading) Contents of terms and conditions of carriage will not be examined vi contain no indication that it is subject to a charter party b For the purpose of this article, transhipment means unloading from one vessel and reloading to another vessel during the carriage from the port of loading to the port of discharge stated in the credit c i A bill of lading may indicate that the goods will or may be transshipped provided that the entire carriage is covered by one and the same bill of lading ii A bill of lading indicating that transhipment will or may take place is acceptable, even if the credit prohibits transhipment, if the goods have been shipped in a container, trailer or LASH barge as evidenced by the bill of lading d Clauses in a bill of lading stating that the carrier reserves the right to tranship will be disregarded Article 21 Non-Negotiable Sea Waybill a A non-negotiable sea waybill, however named, must appear to: i indicate the name of the carrier and be signed by: • the carrier or a named agent for or on behalf of the carrier, or • the master or a named agent for or on behalf of the master 92 Any signature by the carrier, master or agent must be identified as that of the carrier, master or agent Any signature by an agent must indicate whether the agent has signed for or on behalf of the carrier or for or on behalf of the master ii indicate that the goods have been shipped on board a named vessel at the port of loading stated in the credit by: pre-printed wording, or an on board notation indicating the date on which the goods have been shipped on board The date of issuance of the non-negotiable sea waybill will be deemed to be the date of shipment unless the non-negotiable sea waybill contains an on board notation indicating the date of shipment, in which case the date stated in the on board notation will be deemed to be the date of shipment If the non-negotiable sea waybill contains the indication "intended vessel" or similar qualification in relation to the name of the vessel, an on board notation indicating the date of shipment and the name of the actual vessel is required iii indicate shipment from the port of loading to the port of discharge stated in the credit If the non-negotiable sea waybill does not indicate the port of loading stated in the credit as the port of loading, or if it contains the indication “intended” or similar qualification in relation to the port of loading, an on board notation indicating the port of loading as stated in the credit, the date of shipment and the name of the vessel is required This provision applies even when loading on board or shipment on a named vessel is indicated by pre-printed wording on the non-negotiable sea waybill iv be the sole original non-negotiable sea waybill or, if issued in more than one original, be the full set as indicated on the non-negotiable sea waybill v contain terms and conditions of carriage or make reference to another source containing the terms and conditions of carriage (short form or blank back non-negotiable sea waybill) Contents of terms and conditions of carriage will not be examined vi contain no indication that it is subject to a charter party b For the purpose of this article, transhipment means unloading from one vessel and reloading to another vessel during the carriage from the port of loading to the port of discharge stated in the credit 93 c i A non-negotiable sea waybill may indicate that the goods will or may be transhipped provided that the entire carriage is covered by one and the same non-negotiable sea waybill ii A non-negotiable sea waybill indicating that transhipment will or may take place is acceptable, even if the credit prohibits transhipment, if the goods have been shipped in a container, trailer or LASH barge as evidenced by the non-negotiable sea waybill d Clauses in a non-negotiable sea waybill stating that the carrier reserves the right to tranship will be disregarded Article 22 Charter Party Bill of Lading a A bill of lading, however named, containing an indication that it is subject to a charter party (charter party bill of lading), must appear to: i be signed by: the master or a named agent for or on behalf of the master, or the owner or a named agent for or on behalf of the owner, or the charterer or a named agent for or on behalf of the charterer Any signature by the master, owner, charterer or agent must be identified as that of the master, owner, charterer or agent Any signature by an agent must indicate whether the agent has signed for or on behalf of the master, owner or charterer An agent signing for or on behalf of the owner or charterer must indicate the name of the owner or charterer ii indicate that the goods have been shipped on board a named vessel at the port of loading stated in the credit by: pre-printed wording, or an on board notation indicating the date on which the goods have been shipped on board The date of issuance of the charter party bill of lading will be deemed to be the date of shipment unless the charter party bill of lading contains an on board notation indicating the date of shipment, in which case the date stated in the on board notation will be deemed to be the date of shipment 94 iii indicate shipment from the port of loading to the port of discharge stated in the credit The port of discharge may also be shown as a range of ports or a geographical area, as stated in the credit iv be the sole original charter party bill of lading or, if issued in more than one original, be the full set as indicated on the charter party bill of lading b A bank will not examine charter party contracts, even if they are required to be presented by the terms of the credit Article 23 Air Transport Document a An air transport document, however named, must appear to: i indicate the name of the carrier and be signed by: the carrier, or a named agent for or on behalf of the carrier Any signature by the carrier or agent must be identified as that of the carrier or agent Any signature by an agent must indicate that the agent has signed for or on behalf of the carrier ii indicate that the goods have been accepted for carriage iii indicate the date of issuance This date will be deemed to be the date of shipment unless the air transport document contains a specific notation of the actual date of shipment, in which case the date stated in the notation will be deemed to be the date of shipment Any other information appearing on the air transport document relative to the flight number and date will not be considered in determining the date of shipment iv indicate the airport of departure and the airport of destination stated in the credit v be the original for consignor or shipper, even if the credit stipulates a full set of originals vi contain terms and conditions of carriage or make reference to another source containing the terms and conditions of carriage Contents of terms and conditions of carriage will not be examined 95 b For the purpose of this article, transhipment means unloading from one aircraft and reloading to another aircraft during the carriage from the airport of departure to the airport of destination stated in the credit c i An air transport document may indicate that the goods will or may be transhipped, provided that the entire carriage is covered by one and the same air transport document ii An air transport document indicating that transhipment will or may take place is acceptable, even if the credit prohibits transhipment Article 24 Road, Rail or Inland Waterway Transport Documents a A road, rail or inland waterway transport document, however named, must appear to: i indicate the name of the carrier and: be signed by the carrier or a named agent for or on behalf of the carrier, or indicate receipt of the goods by signature, stamp or notation by the carrier or a named agent for or on behalf of the carrier Any signature, stamp or notation of receipt of the goods by the carrier or agent must be identified as that of the carrier or agent Any signature, stamp or notation of receipt of the goods by the agent must indicate that the agent has signed or acted for or on behalf of the carrier If a rail transport document does not identify the carrier, any signature or stamp of the railway company will be accepted as evidence of the document being signed by the carrier ii indicate the date of shipment or the date the goods have been received for shipment, dispatch or carriage at the place stated in the credit Unless the transport document contains a dated reception stamp, an indication of the date of receipt or a date of shipment, the date of issuance of the transport document will be deemed to be the date of shipment iii indicate the place of shipment and the place of destination stated in the credit b i A road transport document must appear to be the original for consignor or shipper or bear no marking indicating for whom the document has been prepared ii A rail transport document marked “duplicate” will be accepted as an original 96 iii A rail or inland waterway transport document will be accepted as an original whether marked as an original or not c In the absence of an indication on the transport document as to the number of originals issued, the number presented will be deemed to constitute a full set d For the purpose of this article, transhipment means unloading from one means of conveyance and reloading to another means of conveyance, within the same mode of transport, during the carriage from the place of shipment, dispatch or carriage to the place of destination stated in the credit e i A road, rail or inland waterway transport document may indicate that the goods will or may be transhipped provided that the entire carriage is covered by one and the same transport document ii A road, rail or inland waterway transport document indicating that transhipment will or may take place is acceptable, even if the credit prohibits transhipment Article 25 Courier Receipt, Post Receipt or Certificate of Posting a A courier receipt, however named, evidencing receipt of goods for transport, must appear to: i indicate the name of the courier service and be stamped or signed by the named courier service at the place from which the credit states the goods are to be shipped; and ii indicate a date of pick-up or of receipt or wording to this effect This date will be deemed to be the date of shipment b A requirement that courier charges are to be paid or prepaid may be satisfied by a transport document issued by a courier service evidencing that courier charges are for the account of a party other than the consignee c A post receipt or certificate of posting, however named, evidencing receipt of goods for transport, must appear to be stamped or signed and dated at the place from which the credit states the goods are to be shipped This date will be deemed to be the date of shipment Article 26 "On Deck", "Shipper's Load and Count", “Said by Shipper to Contain” and Charges Additional to Freight a A transport document must not indicate that the goods are or will be loaded on deck A clause on a transport document stating that the goods may be loaded on deck is acceptable 97 b A transport document bearing a clause such as "shipper's load and count" and "said by shipper to contain" is acceptable c A transport document may bear a reference, by stamp or otherwise, to charges additional to the freight Article 27 Clean Transport Document A bank will only accept a clean transport document A clean transport document is one bearing no clause or notation expressly declaring a defective condition of the goods or their packaging The word “clean” need not appear on a transport document, even if a credit has a requirement for that transport document to be “clean on board” Article 28 Insurance Document and Coverage a An insurance document, such as an insurance policy, an insurance certificate or a declaration under an open cover, must appear to be issued and signed by an insurance company, an underwriter or their agents or their proxies Any signature by an agent or proxy must indicate whether the agent or proxy has signed for or on behalf of the insurance company or underwriter b When the insurance document indicates that it has been issued in more than one original, all originals must be presented c Cover notes will not be accepted d An insurance policy is acceptable in lieu of an insurance certificate or a declaration under an open cover e The date of the insurance document must be no later than the date of shipment, unless it appears from the insurance document that the cover is effective from a date not later than the date of shipment f i The insurance document must indicate the amount of insurance coverage and be in the same currency as the credit ii A requirement in the credit for insurance coverage to be for a percentage of the value of the goods, of the invoice value or similar is deemed to be the minimum amount of coverage required If there is no indication in the credit of the insurance coverage required, the amount of insurance coverage must be at least 110% of the CIF or CIP value of the goods When the CIF or CIP value cannot be determined from the documents, the amount of insurance coverage must be calculated on the basis of the 98 amount for which honour or negotiation is requested or the gross value of the goods as shown on the invoice, whichever is greater iii The insurance document must indicate that risks are covered at least between the place of taking in charge or shipment and the place of discharge or final destination as stated in the credit g A credit should state the type of insurance required and, if any, the additional risks to be covered An insurance document will be accepted without regard to any risks that are not covered if the credit uses imprecise terms such as “usual risks” or “customary risks” h When a credit requires insurance against “all risks” and an insurance document is presented containing any “all risks” notation or clause, whether or not bearing the heading “all risks”, the insurance document will be accepted without regard to any risks stated to be excluded i An insurance document may contain reference to any exclusion clause j An insurance document may indicate that the cover is subject to a franchise or excess (deductible) Article 29 Extension of Expiry Date or Last Day for Presentation a If the expiry date of a credit or the last day for presentation falls on a day when the bank to which presentation is to be made is closed for reasons other than those referred to in article 36, the expiry date or the last day for presentation, as the case may be, will be extended to the first following banking day b If presentation is made on the first following banking day, a nominated bank must provide the issuing bank or confirming bank with a statement on its covering schedule that the presentation was made within the time limits extended in accordance with sub-article 29 (a) c The latest date for shipment will not be extended as a result of sub-article 29 (a) Article 30 Tolerance in Credit Amount, Quantity and Unit Prices a The words "about" or "approximately" used in connection with the amount of the credit or the quantity or the unit price stated in the credit are to be construed as allowing a tolerance not to exceed 10% more or 10% less than the amount, the quantity or the unit price to which they refer b A tolerance not to exceed 5% more or 5% less than the quantity of the goods is allowed, provided the credit does not state the quantity in terms of a stipulated number of packing units or individual items and the total amount of the drawings does not exceed the amount of the credit 99 c Even when partial shipments are not allowed, a tolerance not to exceed 5% less than the amount of the credit is allowed, provided that the quantity of the goods, if stated in the credit, is shipped in full and a unit price, if stated in the credit, is not reduced or that sub-article 30 (b) is not applicable This tolerance does not apply when the credit stipulates a specific tolerance or uses the expressions referred to in sub-article 30 (a) Article 31 Partial Drawings or Shipments a Partial drawings or shipments are allowed b A presentation consisting of more than one set of transport documents evidencing shipment commencing on the same means of conveyance and for the same journey, provided they indicate the same destination, will not be regarded as covering a partial shipment, even if they indicate different dates of shipment or different ports of loading, places of taking in charge or dispatch If the presentation consists of more than one set of transport documents, the latest date of shipment as evidenced on any of the sets of transport documents will be regarded as the date of shipment A presentation consisting of one or more sets of transport documents evidencing shipment on more than one means of conveyance within the same mode of transport will be regarded as covering a partial shipment, even if the means of conveyance leave on the same day for the same destination c A presentation consisting of more than one courier receipt, post receipt or certificate of posting will not be regarded as a partial shipment if the courier receipts, post receipts or certificates of posting appear to have been stamped or signed by the same courier or postal service at the same place and date and for the same destination Article 32 Instalment Drawings or Shipments If a drawing or shipment by instalments within given periods is stipulated in the credit and any instalment is not drawn or shipped within the period allowed for that instalment, the credit ceases to be available for that and any subsequent instalment Article 33 Hours of Presentation A bank has no obligation to accept a presentation outside of its banking hours Article 34 Disclaimer on Effectiveness of Documents A bank assumes no liability or responsibility for the form, sufficiency, accuracy, genuineness, falsification or legal effect of any document, or for the general or particular conditions stipulated in a document or superimposed thereon; nor does it assume any liability or responsibility for the description, quantity, weight, 100 quality, condition, packing, delivery, value or existence of the goods, services or other performance represented by any document, or for the good faith or acts or omissions, solvency, performance or standing of the consignor, the carrier, the forwarder, the consignee or the insurer of the goods or any other person Article 35 Disclaimer on Transmission and Translation A bank assumes no liability or responsibility for the consequences arising out of delay, loss in transit, mutilation or other errors arising in the transmission of any messages or delivery of letters or documents, when such messages, letters or documents are transmitted or sent according to the requirements stated in the credit, or when the bank may have taken the initiative in the choice of the delivery service in the absence of such instructions in the credit If a nominated bank determines that a presentation is complying and forwards the documents to the issuing bank or confirming bank, whether or not the nominated bank has honoured or negotiated, an issuing bank or confirming bank must honour or negotiate, or reimburse that nominated bank, even when the documents have been lost in transit between the nominated bank and the issuing bank or confirming bank, or between the confirming bank and the issuing bank A bank assumes no liability or responsibility for errors in translation or interpretation of technical terms and may transmit credit terms without translating them Article 36 Force Majeure A bank assumes no liability or responsibility for the consequences arising out of the interruption of its business by Acts of God, riots, civil commotions, insurrections, wars, acts of terrorism, or by any strikes or lockouts or any other causes beyond its control A bank will not, upon resumption of its business, honour or negotiate under a credit that expired during such interruption of its business Article 37 Disclaimer for Acts of an Instructed Party a A bank utilizing the services of another bank for the purpose of giving effect to the instructions of the applicant does so for the account and at the risk of the applicant b An issuing bank or advising bank assumes no liability or responsibility should the instructions it transmits to another bank not be carried out, even if it has taken the initiative in the choice of that other bank c A bank instructing another bank to perform services is liable for any commissions, fees, costs or expenses (“charges”) incurred by that bank in connection with its instructions 101 If a credit states that charges are for the account of the beneficiary and charges cannot be collected or deducted from proceeds, the issuing bank remains liable for payment of charges A credit or amendment should not stipulate that the advising to a beneficiary is conditional upon the receipt by the advising bank or second advising bank of its charges d The applicant shall be bound by and liable to indemnify a bank against all obligations and responsibilities imposed by foreign laws and usages Article 38 Transferable Credits a A bank is under no obligation to transfer a credit except to the extent and in the manner expressly consented to by that bank b For the purpose of this article: Transferable credit means a credit that specifically states it is “transferable” A transferable credit may be made available in whole or in part to another beneficiary (“second beneficiary”) at the request of the beneficiary (“first beneficiary”) Transferring bank means a nominated bank that transfers the credit or, in a credit available with any bank, a bank that is specifically authorized by the issuing bank to transfer and that transfers the credit An issuing bank may be a transferring bank Transferred credit means a credit that has been made available by the transferring bank to a second beneficiary c Unless otherwise agreed at the time of transfer, all charges (such as commissions, fees, costs or expenses) incurred in respect of a transfer must be paid by the first beneficiary d A credit may be transferred in part to more than one second beneficiary provided partial drawings or shipments are allowed A transferred credit cannot be transferred at the request of a second beneficiary to any subsequent beneficiary The first beneficiary is not considered to be a subsequent beneficiary e Any request for transfer must indicate if and under what conditions amendments may be advised to the second beneficiary The transferred credit must clearly indicate those conditions f If a credit is transferred to more than one second beneficiary, rejection of an amendment by one or more second beneficiary does not invalidate the acceptance by any other second beneficiary, with respect to which the 102 transferred credit will be amended accordingly For any second beneficiary that rejected the amendment, the transferred credit will remain unamended g The transferred credit must accurately reflect the terms and conditions of the credit, including confirmation, if any, with the exception of: - the amount of the credit, - any unit price stated therein, - the expiry date, - the period for presentation, or - the latest shipment date or given period for shipment, any or all of which may be reduced or curtailed The percentage for which insurance cover must be effected may be increased to provide the amount of cover stipulated in the credit or these articles The name of the first beneficiary may be substituted for that of the applicant in the credit If the name of the applicant is specifically required by the credit to appear in any document other than the invoice, such requirement must be reflected in the transferred credit h The first beneficiary has the right to substitute its own invoice and draft, if any, for those of a second beneficiary for an amount not in excess of that stipulated in the credit, and upon such substitution the first beneficiary can draw under the credit for the difference, if any, between its invoice and the invoice of a second beneficiary i If the first beneficiary is to present its own invoice and draft, if any, but fails to so on first demand, or if the invoices presented by the first beneficiary create discrepancies that did not exist in the presentation made by the second beneficiary and the first beneficiary fails to correct them on first demand, the transferring bank has the right to present the documents as received from the second beneficiary to the issuing bank, without further responsibility to the first beneficiary j The first beneficiary may, in its request for transfer, indicate that honour or negotiation is to be effected to a second beneficiary at the place to which the credit has been transferred, up to and including the expiry date of the credit This is without prejudice to the right of the first beneficiary in accordance with sub-article 38 (h) 103 k Presentation of documents by or on behalf of a second beneficiary must be made to the transferring bank Article 39 Assignment of Proceeds The fact that a credit is not stated to be transferable shall not affect the right of the beneficiary to assign any proceeds to which it may be or may become entitled under the credit, in accordance with the provisions of applicable law This article relates only to the assignment of proceeds and not to the assignment of the right to perform under the credit 104 105 ... PHÁP PHÁT TRIỂN HOẠT ĐỘNG THANH TỐN QUỐC TẾ TẠI NGÂN HÀNG CƠNG THƯƠNG CHI NHÁNH CỬA LÒ Error! Bookmark not defined 3.1 Dự báo hoạt động toán quốc tế Ngân hàng Cơng thương Chi nhánh Cửa. .. chung hoạt động tốn quốc tê Ngân hàng Cơng thương Chi nhánh Cửa Lị 2.2.3.1 Kết hoạt động tốn quốc tế Ngân hàng Cơng thương Chi nhánh Cửa Lị Cùng với phát triển kinh tế thị trường, hoạt động thương... cho Ngân hàng Cơng thương chi nhánh Cửa Lị nhiều thời gian để xử lý chứng từ CHƯƠNG GIẢI PHÁP PHÁT TRIỂN HOẠT ĐỘNG THANH TOÁN QUỐC TẾ TẠI NGÂN HÀNG CÔNG THƯƠNG CHI NHÁNH CỬA LỊ 3.1 Dự báo hoạt động